My first US Bank experiment is getting both the personal and business versions of the Club Carlson credit cards. I already reported success on receiving both bonuses, though the business card was assigned a new Club Carlson account in my name by the US Bank system, even though I provided my Club Carlson number.
When I set up my online account access I saw both my personal and business cards listed. A funny thing was that my spend on the business card decreased available credit but the balance always stayed at $0.
When the first statement came, same thing, both online and on the PDF statement. I thought at first this was a fluke because the statement cycled while my account was on security freeze, I had not noticed because US Bank oddly only called my home number which I do not check and nothing else.
I called the line for the business card and the automated system correctly said I had a payment due. I spoke to an agent who told me that this was normal in a personal online account and that I needed to set up a separate login as a business. She explained that each business card has a Central Billing Account which can only display in a business online account. Individual cards from the Central Billing Account turn up in personal accounts by social security number but are misleading. None of this was explained in materials sent with the card.
I proceeded to set up a business online account and the correct billing information and PDF statement were all there.
I wrote to US Bank by secure message asking for the misleading business card information to be removed from my personal account, the response:
We have received your request to remove your individual business card from your Internet Banking profile, Stefan. All of the accounts listed in your Internet Banking profile are listed under your Social Security Number. Therefore, as your Social Security Number is listed on your individual business account, we are unable to remove this account from your Internet Banking profile. Please accept our apologies for any inconvenience this may cause you.
Best practice: when you get both personal and business credit cards from US Bank, register separate personal and business online accounts; only trust the business online account for information on the business card.